Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.75% - 18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
11.78% - 18.00%(Verified 06/21/2024)
Credit Score Range
300 - 850
Annual Fee
$0
SkyOne Classic Visa® Card Review
This is a card issued by SkyOne Federal Credit Union. If you're wondering whether SkyOne Classic Visa® Card is the right card for you, read on.
Key Takeaways
- APRs: SkyOne Classic Visa® Card has a variable regular purchase APR that ranges from 11.75% up to 18.00%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. SkyOne Classic Visa® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of SkyOne Classic Visa® Card
| The Good | The Bad |
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SkyOne Classic Visa® Card FAQ
Does SkyOne Classic Visa® Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for SkyOne Classic Visa® Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.SkyOne Classic Visa® Card has a variable purchase APR that ranges from 11.75% up to 18.00%. The card has a variable balance transfer APR that ranges from 11.78% up to 18.00%. It also has a variable cash advance APR that ranges from 11.75% up to 18.00%.
Does SkyOne Classic Visa® Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does SkyOne Classic Visa® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for SkyOne Classic Visa® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $30 . Does SkyOne Classic Visa® Card have a foreign transaction fee?
SkyOne Classic Visa® Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for SkyOne Classic Visa® Card?
The customer service number for SkyOne Classic Visa® Card is (800) 421-7111.
What is the support contact email for SkyOne Classic Visa® Card?
The support contact email for SkyOne Classic Visa® Card is memberservices@SkyOne.org.
How do people rate the customer service and user experience of SkyOne Classic Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does SkyOne Classic Visa® Card report your account activity to credit bureaus?
Yes, SkyOne Classic Visa® Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does SkyOne Federal Credit Union perform a hard credit pull?
Yes, SkyOne Classic Visa® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for SkyOne Classic Visa® Card
- Visit the website of SkyOne Classic Visa® Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by SkyOne Federal Credit Union
Other Credit Cards from SkyOne Federal Credit Union
Rating not yet determined
Purchase APR
10.25% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
10.25% - 18.00%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
$65
Rating not yet determined
Purchase APR
10.25% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
10.25% - 18.00%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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